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All Journal JURNAL MANAJEMEN AKUNTANSI (JUMSI)
Pohan, Syahnur Ade Ayu Fitria
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Economics, Econometrics & Finance

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Analisis Prinsip Prudential Banking Dalam Penetapan Agunan Pembiayaan di PT. BSI KCP Indrapura Pohan, Syahnur Ade Ayu Fitria; Edi, Sarwo
Jurnal Manajemen Akuntansi (JUMSI) Vol 4, No 2: 2024
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v4i2.4870

Abstract

This study aims to analyze the principles of Prudential Banking in the Determination of Financing Collateral at PT. BSI Kcp Indrapura, the research design carried out by the author in this study is to use descriptive qualitative research, this research is located at Bank Syariah Indonesia Kcp Indrapura, the source of this research data is primary data obtained from observation and interviews, while the results of this research are In Determination of Financing Collateral at BSI KCP Indrapura in general, the concept used is the concept of prudential banking which refers to the 5C aspect, namely (Character, Capacity, Capital, Collateral, and Condition of Economic), especially the application of Collateral / collateral that will be handed over by the customer to the bank must meet the requirements, the most collateral provided by customers is in the form of Certificate of Ownership (SHM) and Proof of Motor Vehicle Ownership (BPKB). Bank Syariah Indonesia KCP Indrapura in determining the eligibility of collateral based on the criteria of economic value, the goods are not damaged or being mortgaged at another bank, marketable, and legally binding.
Co-Authors Sarwo Edi, Sarwo